SWICA or ÖKK in Region 1 of canton Ticino?
In Region 1, ÖKK is CHF 380.40 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
ÖKK comes down to CHF 637.80 a month, SWICA to CHF 669.50. The gap is CHF 380.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to ÖKK is worth CHF 646.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 16 and ÖKK ranks 12, out of 21 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | SWICA | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 826.50 | CHF 733.00 | + 93.50 |
| 500 | CHF 814.90 | CHF 721.40 | + 93.50 |
| 1'000 | CHF 785.70 | CHF 692.20 | + 93.50 |
| 1'500 | CHF 756.50 | CHF 663.00 | + 93.50 |
| 2'000 | CHF 727.40 | CHF 633.90 | + 93.50 |
| 2'500 | CHF 698.20 | CHF 604.70 | + 93.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| Family doctor | CHF 669.50 | CHF 659.70 |
| HMO practice | CHF 719.10 | CHF 637.80 |
| Other model | CHF 768.70 | CHF 670.70 |
| Free choice of doctor | CHF 826.50 | CHF 733.00 |
How they moved in this region
Against 2025, SWICA moves by + 7.5 % and ÖKK by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.